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USAA's property and casualty insurance is absolutely limited, but I thought the life insurance (which the Medigap is operated under) was open to whoever, like the banking products.
USAA's property and casualty insurance is absolutely limited, but I thought the life insurance (which the Medigap is operated under) was open to whoever, like the banking products.
From a question posed in the link you posted above, with regard to USAA product & services eligibility:
"USAA products are available to military members, veterans who have an Honorable discharge and their eligible family members. These groups include: • Active, retired, separated officers and enlisted personnel of the U.S. military. • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS). • Adult children of USAA members who have established membership • Widows and widowers of USAA members who have or had a USAA auto or property insurance policy. • Former USAA Property & Casualty members."
Some of USAA's non-insurance products (like banking and investment services) were open to the general public at one time, but the same military-relationship was applied to those products about 8-10 years ago. Those without the required military relationship who had established accounts were grandfathered.
Thumbs down to Cigna. If you search for "Cigna" in the second link of post #3, you will see their American Retirement Life Insurance (ARLI) subsidiary followed by their CHLI subsidiary. Companies like Cigna and Mutual of Omaha shuffle through multiple subsidiaries to keep premiums low for new enrollees but they can increase substantially once that book of business closes.
What am I missing here? How does a Medigap provider have any influence on your health care? AFAIK, Medicare is the sole "decider" of what's covered, what's not, etc. The Supplemental provider has to, repeat HAS TO, follow whatever Medicare decides. Their only role is to supplement your payments. And they have no flexibility in that. Whatever the policy is--Plan G, Plan E, etc--that's what they do.
Again, what am I missing in your question?
Sounds to me like you are missing that there are huge differences in pricing of plans, and customer service.
Pretty simple.
Sounds to me like you are missing that there are huge differences in pricing of plans, and customer service.
Pretty simple.
Pricing is always an issue, and one has to assume people shop for plans. Plus every state, even every zip code, can vary, based on local experience ratings. There is NO WAY we can answer in a public forum which pricing works for the OP.
Customer Service: As far as I'm concerned, there is no such thing. Everything I do thru Medicare stays with Medicare. I have never, NEVER, had BCBSTX (my Medigap provider) say a word to me. They just send their bill each quarter.
Pricing is always an issue, and one has to assume people shop for plans. Plus every state, even every zip code, can vary, based on local experience ratings. There is NO WAY we can answer in a public forum which pricing works for the OP.
So then you answer with THAT. I don't get people that say "what am I missing" when you know darn well what the proper answer is.
Quote:
Originally Posted by astrohip;63079370
Customer Service: As far as I'm concerned, [B
there is no such thing[/b]. Everything I do thru Medicare stays with Medicare. I have never, NEVER, had BCBSTX (my Medigap provider) say a word to me. They just send their bill each quarter.
I suggest that you are naive. Many people have issues with their medigap providers. I had to contact my parent's plan provider many many times on their behalf.
So then you answer with THAT. I don't get people that say "what am I missing" when you know darn well what the proper answer is.
I suggest that you are naive. Many people have issues with their medigap providers. I had to contact my parent's plan provider many many times on their behalf.
Just out of curiosity, what kind of issues have your parents had with their medigap provider that have required many many times of contact?
Pricing is always an issue, and one has to assume people shop for plans. Plus every state, even every zip code, can vary, based on local experience ratings. There is NO WAY we can answer in a public forum which pricing works for the OP.
Customer Service: As far as I'm concerned, there is no such thing. Everything I do thru Medicare stays with Medicare. I have never, NEVER, had BCBSTX (my Medigap provider) say a word to me. They just send their bill each quarter.
My wife and I have been retired for 8 years and we have contacted customer service once and that was about pricing on my plan when we moved from Florida to Tennessee. Other than that, just like you, Medicare pays their part and the supplement automatically picks up their part. Never had any problems that required us to contact them, even with my wife's extremely expensive cancer treatments.
Just out of curiosity, what kind of issues have your parents had with their medigap provider that have required many many times of contact?
Second that. Chessie, what issues exactly required you to contact the Medigap? Most here never do except when moving or changing method of payment.
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